Premiums
Your benefit costs – premiums – are taken out of each paycheck. Here’s an overview of your costs and coverage.
2026 Medical & Dental Premiums
The cost of your medical and dental benefits depends on the plan and coverage you choose. Eligible employees who completed the 2025 Wellness Incentive Program will receive a $35/month or $8.08/week premium discount in 2026.
The following charts detail your premium costs with and without the Wellness Incentive discount.
2026 Supplemental Life and AD&D Premiums
The tables below provide Supplemental Life and Accidental Death and Dismemberment (AD&D) insurance premiums for all salaried, ATLC and IGUA employees.
Supplemental, Spouse, & Dependent (Child) Life
Monthly Premiums (per $1,000 of coverage)
| Age | Supplemental (1x-8x salary) |
Spouse ($10k to $50k) |
Dependent (Child) Life |
|---|---|---|---|
| <30 | $0.036 | $0.036 | Premiums are $0.65 per month for $10,000 of coverage for all unmarried children birth to age 26. |
| 30 - 34 | $0.051 | $0.036 | |
| 35 - 39 | $0.058 | $0.072 | |
| 40 - 44 | $0.065 | $0.108 | |
| 45 - 49 | $0.109 | $0.180 | |
| 50 - 54 | $0.166 | $0.279 | |
| 55 - 59 | $0.303 | $0.432 | |
| 60 - 64 | $0.477 | $0.693 | |
| 65 - 69 | $0.477 | $1.134 | |
| 70+ | $0.477 | $2.060 |
Note: Premiums change according to employee/spouse age brackets
Accidental Death & Dismemberment
Monthly Rates (per $10,000 of coverage). Coverage can range from $20k - $500k and cannot exceed 10x salary.
| Coverage Tier | All Salaried and IGUA Employees | ATLC Employees |
|---|---|---|
| Employee Only | $0.20 | $0.35 |
| Family | $0.40 | $0.70 |
For more information or for premiums on additional voluntary benefits not listed here, please contact ORNL Benefits at ornlbenefits@ornl.govor 865-576-7766.